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A savings account should pay 2 – 4% on the money that you have in the account.It’s not a lot of money – unless you have a million dollars in that account – but it is a start, and it is money making money.Next, invest in money market funds. This can often be done through your bank. These funds have higher interest payouts than typical savings accounts, but they work much the same way. These are short term investments, so your money won’t be tied up for a long period of time – but again, it is money making money.Certificates of Deposit are also sound investments with no risk. The interest rates on CD’s are typically higher than those of savings accounts or Money Market Funds.You can select the duration of your investment, and interest is paid regularly until the CD reaches maturity. CD’s can be purchased at your bank, and your bank will insure them against loss. When the CD reaches maturity, you receive your original investment, plus the interest that the CD has earned.If you are just starting out, one or all of these three types of investments is the best starting point. Again, this will allow your money to start making money for you while you learn more about investing in other places.[Insert Your Resource Box Here](Words: 308)A Journal for all AgesBy encouraging children to keep a journal they will benefit from writing down their emotions and what they have been doing all summer. They will also improve their writing skills and be ready for that assignment that is given out at the beginning of every school year - an essay on what they did for the summer break.The journal itself can be a store bought notebook, an actual journal or some loose-leaf paper bound together. The form isn’t what is important; it is getting the children in the habit of writing in it every day. This won’t be for all children but those that show an interest should be encouraged to develop a routine with it.If they don’t know what to write about, provide them with journal prompts. Some examples can include:* Describe things that make me: sad, angry, happy, etc* What would it be like if you were a: kitten, leaf, waterfall, etc.* Write about a favorite activity or object* Goals, what you will do in 1 year, 3 years, etc* A log of what happened during the day and how you felt* What you want to do tomorrowFor younger children that cannot write on their own, encourage them to draw a picture of something that happened during the day. And then when they are done have them tell you what they want to be written on their journal page. The picture they draw doesn’t have to be of what happened; the same journal prompts listed above could be used too.A variation for this activity is to start a family journal. Have one journal for the entire family and they each have to write one page in it every night. It would be a great idea if the page each person writes is about the same topic, but it doesn’t have to be done that way. Surfing Preparations - What You Need To Do Before Attempting The WavesSurfing is definitely a fun sport to try out -- the exhilarating experience of skimming through the waves with the sun and wind on your face -- priceless. However, surfing is not without its risk especially if you're aiming to overcome the huge, towering swells to cater to your need of a thrill and challenge. If you want to avoid putting your life at risk on this sport then you need to take extra care with surfing preparations before you challenge the waves.Let's take it into consideration that you already have the necessary training and skills to be a good surfer just to avoid a humiliating wipeout while skimming through the swells. Here are some last minute preparations you need to consider to avoid getting into a bad situation later on.1. Equipment CheckThe best surfing condition is not only applicable to your chosen surfspot; it is also necessary to check your equipments and gears to make sure that everything is in their perfect condition before you wade out into the surf. For starters, you need to bring with your safety gears, like a leash that ties your board to your ankle, a GPS tucked somewhere in your wet suit pocket in case you are washed out to sea, and of course, a floatation device or jacket to keep you afloat without having to swim for it. Also, if you're going to surf in cold weather then make sure that you keep your body temperature warm by wearing a wet suit to keep the cold off your skin.2. Survey the LocationNo surfer should surf in a beach without knowing what they're up against. It is an important preparation to scour the surfspot for hidden risks, like shallow areas with coral or sharp rocks, sand bars, or any physical obstacles that can put your life at risk when you surf the waves. If you're not familiar with the area then take time to paddle around to inspect the location or ask a local expert to give you some advice.3. Warm-Up ExerciseSince surfing is a physical activity at best, you need to make sure that your body is in top physical shape before attempting the impossible. First, it is essential for any surfer to do some warm up exercises to avoid cramps later on. Squats and stretching can help unwind those tight leg muscles so you won't have any trouble keeping your balance. Also, stretching increase muscle flexibility to keeping a firm control on your board is made easy. Don’t forget to exercise and stretch your arms as well since you will mostly likely do a lot of paddling and swimming before it's all over.There are just of the important surfing preparations you need to consider before attempting the waves. Also, you might want to re-assess the size of the waves and wind condition so you won't have to face towering waves that you aren’t ready to handle yet. A Day at the BeachVisions of summer will eventually lead to a day at the beach. It can be at a lake, the ocean, or any sandy area you can find but it no matter what it will be a day to remember. There are many activities that can be done on a beach day, or just go to have fun and relax. By being prepared for a few different scenarios you are sure to have a great time.The most important part of beach day is safety. There is water safety – no child should go into the water alone or without adult supervision. And there is stranger safety, most beaches are quite crowded on a nice summer day, it is always a good idea to review stranger safety before going out to a crowded public place.The standards supplies to bring on any beach day include sunscreen, towels, water, and pails and shovels. There are more things that you could use and always remember to err on the side of caution. If you think you might need it and have room, bring it along.If there isn’t a natural place to be in the shade in the form of a tree, something should be brought for the children to have a break in. A beach umbrella or a tent for the kids is a smart choice.Children know instinctively how to have fun especially on a beach. Building sandcastles, digging holes, collecting seashells are all part of traditional beach fun. A beach scavenger hunt will keep them busy too. Not to mention the swimming. Don’t forget to keep reapplying the sunscreen and have the children keep on their hats – even in the water.The beach may be a once in a summer trip or you may be able to go every week but either way it will be a summer activity they will fondly remember.Surfing Gears And Equipments - What You Need To Surf In Your Full PotentialSurfing is one of the few surface water sports that require you to have the right equipment and surfing gears if you want to perform well. Buying beach shorts and any surfboard that looks cool is not the right way to start your surfing career. Learning to surf is just half the battle, bringing with you the right equipment makes for a successful and enjoyable surfing experience. 1. BoardsKeep in mind that surf boards come in different shapes, sizes, and of course, additional specifications that improve your surfing experience. There are heavy boards and lightweight boards; some have no fins while others have two or more. There are also boards with a leash you can tie to your ankle so you won't have to worry about parting with it when you get wiped out by a huge wave. Selection of a board for surfing should be decided on your personal preference and not just for looks alone. Beginners might want to start with lightweight boards to give you better control and maneuverability. Some boards are made for speed while others are designed for competitions and overall performance. If you're new at this then you might want to ask an expert help you pick the right one.2. Wet SuitIf you're planning to surf in a warm tropical climate then beach shorts or swimsuits should be your preferred choice. However, if the weather going to be cold in your surfspot and waters are freezing then it is best to keep your warmth by wearing a wet suit. Like surfboards, wet suits vary in design as well. Some cover your entire body except for the head while others look like a combination of tight-fitting shorts and sleeveless shirts. Pick one that is most comfortable and offering maximum protection from the cold if you're attempting to surf when the weather turns foul.3. Safety GearsA novice surfer should never attempt the waves if you don’t have your safety surfing gears with you. If you're going to be surfing on the ocean or where tides can bring you out to sea in a matter of minutes then you need to bring a floatation device or wear a floatation vest to keep your head out of the water in case you are wiped out from your board. Some expert s advice you to bring a GPS device so you can keep track of your location just in case you stray too far from the beach. Other safety gears include a pair of goggles and a first-aid kit.4. Surfboard MaintenanceA responsible surfer never leaves their boards unattended both before and after use. It is necessary to have your board repair or cleaning kit with you when you're going out to surf. Cleaning kit includes a wax and a cloth to keep your boards clean and waterproof so they'll last longer and improve your performance on it.There might be more surfing gears out there that is not among the list above. Ask an expert to give you a few tips on how to select the right equipment to improve your surfing experience, keep you safe from harm, and of course, avoid spending too much than what your budget can handle. Making a KiteFlying a kite is good exercise and a lot of fun (even if you don’t get the kite up in the air). Instead of going out and buying a kite, make one instead. You will need fabric (or very strong paper), strong glue, two wooden dowels and string. To begin, lay the two dowels in a cross position and use some of the string to lash the sticks together into that position. You will do this by weaving the string in and out of the dowels. Once the dowels are secure, put glue on the string and leave it to dry. Once this is done you should have a strong frame for your kite.The next step is to create a frame around your dowels using the string. To make sure the string does not slip, cut a small notch at the end of each dowel. Starting at one end, wrap the string around the dowel where the notch is and then bring the stringto the next dowel while keeping the string taut wrap it around the next dowel. Continue until string is connecting all four dowels. Again, put dabs of glue on the string where it meets the dowels and leave to dry.Once you completed frame is dry, lay your fabric on the kite frame and cut it with an extra one inch on all sounds to wrap around the frame. Use glue to secure the fabric around the kite frame.The last step is to attach the string to the kite. You will need to make what is called a bridle by attaching the string to the kite frame in two locations (they should be on opposite sides) in a loop formation. Then attach the string you are going to use to fly the kite to the bridle. 15 Professional Party Planning Tips for Corportate Events One of the hardest events for most people to plan are corportate events. Even smaller events, for less than a couple hundred people, can be a real challenge if you are not a professional party planner. However, here are fifteen tips you can use to make your corporate party or corproate event a success:Tip #1 Always take the time to plan ahead. If you will be renting a special venue you will need to secure it as far in advance as possible. Some places can book up even a year in advance. By finding your venue early, and placing your deposit, you can ensure that you get the venue that you want. Tip #2 When you are planning a corporate event you need to set a very strict working budget and then make sure that you have extra cash for the unexpected expenses. You can be sure that every event will have some unexpected extra expenses, that is just simply part of planning an event.Tip #3 If you have contracts, agreements, lists, or seating charts, make sure you keep extra copies of them incase they are misplaced or lost. Copying them is very simple and quick and can really save you later on if you loose your plans.Tip #4 Make sure you send out your invitations at least 3 to 4 weeks ahead of your event. In addition, make sure that you ask your guests to RSVP so that you know how many people will be attending. Tip #5 If you are creating a seating chart for your event, you can either set it up completely randomly or work with someone else in your company to come up with the best possible scenario. Tip #6 If you want a good attendance at your event, it is a good idea to schedule it earlier in the week or a long way away from any major holidays. People tend to vacation over holidays and often have plans on weekends, making Friday and Saturday bad days to have a business function.Tip #7 It is important to know when to use a theme and when not to. A child’s birthday party is an appropriate time to use a theme, while a corportate event requires much less of a theme and more plain elegance than anything else. Tip #8 When you are having a business event, keep the music mellow and something that everyone can enjoy. Tip #9 If you will need equipment such as microphones, projectors, speakers, a video camera. etc… you want to make a list of the things you will need and make sure that you also have someone on site who can fix any techincal problems which may come up at the event. Tip #10 When you are planning an event, especially a large event, make emergency and contingency plans in case of disaster, illness, or any other emergency.Tip #11 It is important to take into account the special accommodations which will be needed by any disabled attendees. If you do not know what someone will need, you can always simply ask them. They will be happy that you cared enough to ask and understand that you didn’t have any other way to get the information. Tip #12 If you are planning a very large event, you might want to take a project management approach to it. Use a master plan, and delegate tasks to others where you reasonably can. Tip #13 If your event will be longer than two hours, your guests will expect at least a snack to eat. You should have a meal if your event is longer than four hours. At all times, you should have at least water and coffee available to your guests. Tip #14 Communication is a major key to the success of an event. If you are using vendors, make sure they have very clear and specific instructions of what you are expecting of them. Tip #15 Whenever you plan an event, make sure you take things like transportation, parking, etc… into the equation. The last thing you want is for your guests to have to walk a long way to the event or to go home because they couldn’t find a place to park. PPPPPWord Count 715Surfing Tutorial For Beginners...A Step By Step Guide To Learn Surfing From ScratchWatching expert surfers and asking questions is not the only way to learn surfing from scratch. Though there is nothing wrong in "winging" it but having a step-by-step surfing tutorial can help you learn the basics faster and get you on the waves and skimming like an expert in the shortest possible time. Here is a simple step-by-step guide in learning surfing from the basics.1. Getting a BoardThe first step to learn surfing is to first get your own board that you will be using for the sport. Surfing classes will provide you with basic boards to practice but having your own develops a familiarity with your equipment that is quite convenient for you later on. If it's your first time to buy a board then you might want to ask an expert to give you some tips on how to pick the right one. In most cases, novice surfers are advised to get boards made from lightweight material for better control and maneuverability.2. Learn To BalanceNow that you have your own board, or gotten your hands one that you will be using for practice, the next step is to learn how to balance yourself on top of it. You don’t have to start by standing on it, but you can give it a shot to see if you can already do it. If you can't do it standing up or in a crouch then try to get the feel of the board and your balance by lying it on face down. Beginners will also get the knack of paddling since you will have to row your way to the waves before you can surf. You can also practice with your board on a swimming pool of you have one.3. Physical ExerciseBalance and familiarity with your surfboard is not the only requirement to learning how to surf. You also need to have your body in peak physical condition to make sure you can do the basic feats without getting tired easily. First, you need to improve the strength of your arms so you can easily lift yourself up to a standing position to catch the waves. Leg power is also an essential requirement since you need to be able to have the strength to stay in a standing position as you skim through the swells. While you're at it; you might want to improve your overall body flexibility and stamina through cardiovascular exercises.4. Hands-On ExperienceOnce you have easily mastered step 2 and 3, the only thing left in this surfing tutorial is to try to waves out for the first time. Don’t be afraid to get wiped out easily since that is part of the learning process. If you do fall off your board then consider it as training to swim back and to climb back up on to try again. Also, you might want to try out with small swells first close to shore before trying the much bigger and dangerous looking waves. Title: 15 Easy Steps to Starting Your Small BusinessWord Count:1280Summary:When I was first starting up my business, I searched for a good article on startup, and couldn't find any, so I decided to write this short guide.Keywords:starting a small business, small buisness startup guideArticle Body:Yeah, sure it's easy, and of course, that title is a little tongue in cheek. It takes a lot of hard work to get a business off the ground. But, it's worth every hour I've spent getting to where I am now.

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Your hosting company should be providing most of these services to you free of charge. There are a small few that do this, but it is well worth the investigation. Contact me for further resources and information. Having a successful web business starts with effective content. Stay tuned for parts 2-4!Title: 4 Smart Ways To Deal With Credit Card DebtWord Count:511Summary:You already know a lot about credit cards. You've heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, while our savings rate is lower than ever before.Keywords:credit card debtArticle Body:You already know a lot about credit cards. You've heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, while our savings rate is lower than ever before. You realize that the boom in online shopping, with its absolute dependence on credit cards, is further fueling their use. You are well aware that running a balance on your plastic-and paying the unconscionable interest rates that come with it-is one of our most basic and widespread financial blunders. And you suspect that the sheer volume of direct-mail credit-card solicitations with low teaser rates must be devastating the forests of northern Idaho.Still, credit cards are a fact of 21st century life, and it only makes sense to understand how to use them wisely. While it's probably impractical to keep all plastic out of your wallet, it is prudent to limit the number of cards you have, and, of course, to pay all balances in full every month. Indeed, having only a traditional American Express card, which doesn't allow you to carry a balance, can be an excellent way to impose fiscal discipline on you and your family-although, as the Visa ads point out, not everyone accepts American Express. For the rest of us, who do occasionally dabble in credit-card debt, here are a few ways to keep your habit under control.1. Take advantage of frequent-flier programs tied to credit cards, but keep in mind that interest payments on a high balance can quickly turn "free" flights into outrageously expensive ones. At a dollar per mile, running up a debt of 25,000 may get you a plane ticket, but it will also saddle you with $4,500 in yearly interest payments, assuming an 18% annual rate.2. Look very closely at credit-card offers before you bite. Obviously, most of those 2.99% and 3.99% rates will be in effect for only a few months. But there may be other catches as well. Making a late payment, even if it arrives only a day after it was due, may immediately trigger a permanent rate hike. Also, low initial rates sometimes apply only to transferred balances, and you could get charged a fee for making the transfer. Check, too, to see whether there is an annual fee, or charges for exceeding your credit limit or even for closing an account.3. Avoid amazing grace-period tricks. What you're looking for is a provision that says you'll never be charged interest as long as you pay your bill in full by the due date. But some cards have no grace period, calculating interest from the moment you make a purchase, while others give you only a limited time after making a charge before interest is imposed. That period of 20 days or so may end before your payment is due.4. Don't forget to cancel cards you no longer use. If you don't, they'll show up on credit reports, and that could be a problem, particularly if you're applying for a home mortgage. Your would-be lender may be reluctant to make a loan to someone who has a cumulative credit-card limit of $50,000, $100,000, or even more.4 Things To Consider With Wedding Cake IcingWedding cake icing seems like a small and relatively unimportant part of the overall wedding planning process. Most want their cake to look good, but are more worried about the cost of the cake, the amount of cake available, and the flavor of the cake. The frosting will actually affect most of these aspects of the cake. Icing will affect the cost of the cake and the flavor of the cake. This highlights the importance of your wedding cake frosting choices. These four aspects to consider will help you to be creative while finding the best look and flavor for your cake.Use FondantFondant has been on the wedding cake market for some time. Many use Fondant for their cakes to give them a clean and modern look. Fondant may be perfect for your wedding cake. The fondant icing is edible, and will give your cake the elegant look and feel that it needs.Flavor the IcingOne thing that you may want to consider with your icing is the flavor. Most will stick with the usual flavors found in icings. These flavors are well known, and are found in basic icings such as buttercream icing or royal icing. If you want to try something new, flavor these icings with new or unusual frostings. Some will use extracts, such as almond extract or lemon extract, to give the frosting more flavor. Use Interesting ColorsMany will stick with the basic white color for the frosting for their wedding cakes. One of the easiest ways to be creative with wedding cakes is to deviate from this tradition. Try colored frosting or colored fondant to give your cake a more unique feel.Play With the Cake TypeWedding cakes generally stick with plain flavors to ensure that all of their guests can find a flavor that they enjoy. One of the best ways to have a unique cake is to play with the type of cake that you have for your wedding cake. Try different flavors for different cake tiers. Try new and interesting flavors that you may not usually consider. Then, play with the frosting flavors. Use the frosting flavor to play off of the cake flavor. This juxtaposition will give your wedding cake a unique taste.There are multiple options for you to choose from for the icing for your wedding cake . Most will go with the usual buttercream icing or royal icing. Many fail to realize that they can spice up these usual frostings with flavors and colors. The theme and colors of your wedding may be a perfect guide for you to tweak and change your frosting.Take a risk with your wedding cake by making it stand out. By breaking the norms and thinking out of the box, you can have an interesting and memorable wedding cake.4 Tips For Finding The Best USB FM RadioUSB FM Radios are helping to push FM radio technology into new forms and new mediums. With this technology, you can easily listen to your favorite radio stations wherever you have your laptop. With your headphones, you can easily listen to radio stations as you sit in a coffee shop or Internet lounge, or while in the comfort of your own home.If you want to be able to have FM radio at your disposal, you are going to need to find a USB FM radio that meets all of your needs. These four tips will help you to find the best USB radio available.Headphone JackIf you want to find the best USB radio available, you need to look at small details. One detail to look for is the headphone jack. This headphone jack will allow you to play your radio while using your computer, even when you are around other people. While most brands feature a headphone jack with their USB radio, some may not. If you do not check, you may wind up with a USB radio that does not meet all of your needs.Ability to Play Through your Computer SpeakersThere are specific USB radios that have the ability to connect with your computer when they are plugged in. This could allow your radio stations to be played through the computer speakers themselves. Not every company offers this benefit. You must do research to ensure that you find a brand that features this playing benefit.Settings and MemoryYou want to make sure that you are looking into USB radios that offer various settings and memory options. Look for products that have the ability to remember all of your favorite radio stations with their USB radio. While some offer this capability, others do not. You must look for the specific USB radios that feature the settings that you need to fully enjoy your USB radio experience.Cost and SizeIf you want the best USB radio, you need to look at both cost and size. It is important to note that the best USB radio may not be the most expensive, and may not be the smallest. If you find two products that feature the same benefits, go with the brand that is the least expensive. Likewise, if you see two brands that feature the same benefits, but one is bigger and one is smaller, go with the lower cost. Generally, this will be the bigger USB radio.These various aspects of the USB FM radio will help you to find the perfect USB radio. You need to look into all of these various aspects to ensure that you are getting what you want and need from your new purchase. Each USB radio will be unique giving you the ability to find the best radio for your computer.4 Tips For Playing Virtual World GamesIf you are new to the virtual world, you may not know how to approach the actual gaming itself. There are actions, steps, etiquette expectations and goals that you are not going to be accustomed to. If you want to make sure that you blend in with the new community, you need to utilize these four gaming tips. These tips for playing virtual world games will help you to get off on the right foot and start your gaming off as expertly as possible.Read or Play the TutorialsIf you are about to start playing a game in a virtual world, you need to read any available tutorials. If possible, you should play any tutorial games that you can find. These tutorials will give you all of the tips and tricks that you need to start the game on the right foot. It will help you to start the game correctly, which will give you an advantage over gamers who will fail to do the same. If the game is simply interacting, it will help you to get the most out of all of your interactions. Understand All Hot KeysHot keys are shortcuts in the game that will allow you to choose certain actions and functions quickly and easily. This simply makes your gaming experience easier and faster. These hotkeys are just like hot keys in all other programs; by pressing a control button and another key, you can pull up a box or perform a specific action.Be CourteousOne of the biggest tips that anyone can follow for online gaming comes from the actual community interactions themselves. If you want to be a respected member of the gaming community, you need to be courteous and respectful to all of the other members of the community. If you run into any players who are being disrespectful, be respectful back to them. Do not get in fights or arguments, as this can simply cause you to lose your temper.Take BreaksIf you plan on playing in virtual online games, you need to make sure that you are taking breaks. You need to get up and move around after playing for a few hours. Extended computer use can cause wrist and arthritis issues.A lot of people tend to skip tutorials and hot keys, assuming that they will learn these valuable pieces of information over time. Failure to utilize these tools before you actually play virtual world games can actually harm your overall game play. Take the time to understand how to play the game, and take the time to understand how to act within the community. While it may seem like a lot of work for a game, you will find that you have a more enjoyable experience with your actual game play. 4 Tips On How To Avoid Hair Loss In MenIn our society, a man losing his hair as he ages has long been held as one of those inevitable things in life, such as death and taxes, and that there isn't anything that can be done to stop it. Fortunately for many men, science has made advances in understanding what causes hair loss and finding effective ways to stop it and possibly even reverse it. That means that you can learn how to avoid hair loss in men. Scientists used to think that baldness was an inherited trait, but new research is showing that that may not be the case. We now know that an overabundance of the hormone DHT might actually play a role in hair loss. When your body has too much DHT it tends to lead to what is called Follicular miniaturization. That means the hair shaft becomes smaller and smaller over time. Here are some things you can start doing right now. These tips will help you keep your hair and scalp healthy so you can minimize the effects of DHT and stop, or at least slow down, your hair loss:1. Keep your head clean. All the hair products you use on a day to day basis can build up on your scalp and prevent the hair follicles from growing properly. Thoroughly washing your scalp every day can help remove that buildup which can keep the coast clear for new hair growth. 2. Great hair starts on the inside. No part of your body can function at it's best if your body isn't getting the nutrition it needs. Eating a well balanced diet will pay many dividends, not the least of which is healthy hair. Make sure you get plenty of zinc, copper, and lean protein in your diet by eating things like: fish, leafy green vegetables and eggs. Also make sure to drink plenty of water, that will keep your body and your hair properly hydrated. 3. Use shampoos that amp up the hair you still have. These volumizing shampoos can make your hair thicker so use them on a regular basis. 4. You can also make a trip to your doctor or your local pharmacy. There are many prescription and over the counter hair loss treatments that have shown to be effective for some men. Remember, not all products work for all people so it may be necessary for you to do a little trial and error. Also keep in mind that many of the prescription drugs for hair loss have a lot of unpleasant side effects. Carefully discuss these possible side effects with your doctor or pharmacist before you choose which product to use. We're lucky we live in a day and age where science is learning more and more about many of things we had for so long thought to be inevitable. We now know that we can learn how to avoid hair loss in men. By following the simple tips above you can dramatically reduce your hair loss and maybe even regrow some of the hair you've lost.Title: 4 Tips to Hiring a Better Debt Management FirmWord Count:457Summary:This article gives four tips that are useful for hiring a better debt management firm.Keywords:debt, management, debt management, firm, information, financeArticle Body:Individuals in debt who wish to make use of the services of a debt management firm should do research before committing themselves. An unscrupulous debt management firm can harm a debtor’s interests in many ways, so make sure to keep the following 4 things in mind before hiring a debt management firm: